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Overview / Commentary
215 Paca St
Cumberland, MD 21502

Potomac Federal Credit Union is headquartered in Cumberland and is the 53rd largest credit union in the state of Maryland. It is also the 3,193rd largest credit union in the nation. It was established in 1954 and as of December of 2016, it had grown to 10 employees and 2,850 members at 1 location. Potomac Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Allegany County, Maryland or Mineral County, West Virginia.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Potomac Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9445
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.03%
Return on Equity - YTD0.23%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$24.2MM$23.5MM
LoansQ4 2016vs Q4 2015$18.2MM$17.6MM
DepositsQ4 2016vs Q4 2015$20.5MM$19.8MM
Equity CapitalQ4 2016vs Q4 2015$3.5MM$3.5MM
Loan Loss AllowanceQ4 2016vs Q4 2015$166.00K$49.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$0$8.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Potomac Federal Credit Union CD Rates

1.06%$1k-24 Month CD
0.80%$1k-18 Month CD
0.75%$1k-12 Month CD
0.55%$1k-6 Month CD
0.55%$1k-9 Month CD

Potomac Federal Credit Union Locations
Branch Office215 Paca StCumberland, MD 21502